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Security report for nordaxgroup.com

NOBA Bank · Finance · Sweden

Medium risk. 7 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

52/100

Risk levelMedium

0–100, higher is better. How it is calculated

NOBA Bank Group AB is a leading European specialist bank founded in 2003, operating across eight countries with over 600 employees. The group offers flexible financial products including consumer credit, cards, savings, mortgages, and equity release loans through its subsidiaries Nordax Bank, Bank Norwegian, and Svensk Hypotekspension. The website reflects a professional and consistent brand presence with clear investor relations and sustainability focus. Technically, the site is built on modern frameworks like Next.js and React, hosted on Vercel, and optimized for performance and mobile use. Security posture is adequate with HTTPS usage and no exposed sensitive data, but lacks explicit security headers and published security policies. Privacy compliance is weak due to missing privacy and cookie policies. Overall, the site is trustworthy and credible but would benefit from enhanced privacy and security transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

7 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

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Keep watching nordaxgroup.com

This scan found 19 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
0
Security headers
40
Email security
60
DNS health
85
Network security
100
GDPR outside view
25
Average
52

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

NOBA Bank Group positions itself as a specialist bank complementing major banks in Europe, targeting consumers seeking tailored financial products. Its ownership by Nordic Capital and Sampo adds financial strength and credibility. The business model focuses on consumer credit and financial health improvement, serving over two million customers. The group maintains a multi-country presence with dedicated websites for subsidiaries, indicating a broad market reach. The website's investor relations and sustainability sections suggest a mature corporate governance and responsibility approach. The career portal indicates active talent acquisition to support growth. The external links to subsidiaries and partner sites reinforce the integrated group structure.

Security posture

The website uses HTTPS, ensuring encrypted communication. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of common security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options reduces defense-in-depth. No published security policy or incident response contact information was found, which limits transparency and readiness perception. The lack of a vulnerability disclosure or security.txt file is a missed opportunity for responsible vulnerability management. Privacy compliance gaps exist due to missing privacy and cookie policies, which may expose the company to regulatory risk under GDPR. Overall, the security posture is moderate but can be improved by adopting best practices and transparency.

Recommendations

  1. Publish comprehensive privacy and cookie policies with clear GDPR compliance statements and consent mechanisms.
  2. Implement and configure security headers such as CSP, HSTS, X-Frame-Options, and X-Content-Type-Options to enhance protection.
  3. Provide a dedicated security policy page including incident response contacts (e.g., security@ or abuse@ email addresses).
  4. Add a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  5. Enhance transparency on data protection officer contact details and data retention policies to build trust.

Contact details published on the site

Addresses
Legal name
NOBA Bank Group AB (publ)
Registration number
556647-7286
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
NOBA Bank
Description
We are a leading European specialist bank that complements the offerings and solutions of major banks with flexible solutions in consumer credit, cards, savings, mortgages, and equity release loans. Part of NOBA Bank Group AB, owned by Nordic Capital Fund VIII & IX and Sampo, operating in eight countries with 600+ employees.
Key services
consumer credit, cards, savings, mortgages, equity release loans
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Emotion CSS-in-JS
Frameworks
Next.js
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced (implied by URL https:// in JSON-LD)
  • No visible exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is professionally designed and well-structured
  2. No privacy or cookie policies found, which is a compliance gap
  3. No visible contact emails or security incident contacts
  4. Strong branding and clear business focus on specialist banking
  5. Multiple external links to subsidiaries and partner sites
  6. No advertising or tracking scripts detected in HTML
  7. No forms detected on the main page for data collection
  8. Good use of structured data for SEO and organization info
Technical notes

Notes

The website is built using Next.js framework with React, leveraging Emotion for CSS-in-JS styling. It is hosted on Vercel, a modern cloud platform optimized for performance and scalability. The site uses Sanity.io as a headless CMS for content management, enabling dynamic and localized content delivery. The HTML is valid and well-structured with responsive design and accessibility considerations. Performance is optimized with preloading CSS and deferring JavaScript. SEO is supported by meta tags, Open Graph data, and JSON-LD structured data describing the organization. No heavy third-party scripts or trackers were detected, indicating a clean technical footprint. Opportunities exist to improve security headers and privacy compliance to reduce technical debt and regulatory risk.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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